Complaints

This profile includes complaints for NetWell Healthshare's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  NetWell Healthshare

  Austin, TX 78738

  
• 

  NetWell HealthShare

  Norcross, GA 30092

• 

  NetWell Healthshare

  12117 Bee Caves Rd Ste 202 # Bld Bee Cave, TX 78738

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:05/27/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Raised my monthly participation with out My knowledge or consent.

  

  Business Response

  Date: 05/27/2025

  Thank you for your feedback, ****.
  As of February 1, 2025, we implemented an increase to the Monthly Commitment Contribution for all members. Email notification of this change was sent on December 12, 2024, and our records confirm that you received this communication.
  Because the rate adjustment was properly communicated in advance, and the option to cancel prior to the effective date was available, we will not be issuing a refund at this time.
  If you have any additional questions or if theres anything else we can assist you with, please dont hesitate to reach out.

• Initial Complaint

  Date:03/13/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  2/9/24 - my son had a stroke on the 14th. I believe we had to have surgery on his heart for which we paid $50,000 that was tobe reimbursed to us by net. Well we provided *** well with all the documentation they asked for and have aggressively called and made sure they were nothing additional needed from us and they refused to reimburse our money. Currently net will blame ****** ****** blames net welleven after net. Well continuously told us that there was nothing further needed. We were just waiting on a check now. I cannot get them to my calls as of this day. I cannot even get the customer service agent, ******, who insisted that our claim was complete and we were just waiting for the check to be issued multiple times which was clearly a lieto return my phone calls. Its been a year since my son stroke and we are $50,000 in the hole and they just ignore us. I requested calls from upper management. I requested contacts for upper management. They refuse to give me anybody higher than the service person. Micona they refuse togive me the address from where the check was supposedly being mailed if anything theyre hindering my further research on my check by not giving me information And I am $50,000 out where they their commitment was to reimburse me. Ive done everything that Im supposed to do and theyve yet to do anything that theyre supposed to do.

  

  Business Response

  Date: 03/24/2025

  Thank you for reaching out to us. Regarding your concern about netWell refusing to reimburse you, that is not accurate. We have been in contact with your provider to obtain the necessary information to process your share request.
  I understand that when you initially spoke with ******, you were informed that we had everything needed to proceed. However, that information was incorrect, and we have since addressed the issue. ****** is currently on a leave of absence, which is why you have been unable to reach her. However, another team member has reached out to you to discuss this matter.
  Please know that we are actively working to process your request and ensure you receive your reimbursement.

• Initial Complaint

  Date:02/04/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was looking for a primary insurance plan. When I was speaking to one of the representatives they misinformed me about what I was purchasing. They led me to believe I was purchasing a primary medical plan,when in fact, it was an assured insurance plan. Now, if I had known at anytime that it was assured insurance,I never would have purchased it,because in the past, I purchased assured insurance as a monthly payment and after the 1st month when I found out nobody takes this insurance and that it wasn't actually an insurance plan per se, I immediately canceled the plan. The gentleman I spoke to told me that I was paying for a year up front and when I heard the price that I was paying, I thought it was a great deal because I thought I was buying a primary insurance plan, but I was misinformed. I've called the company numerous times trying to resolve this and everybody keeps passing the buck,nobody will help me. At this point I just want a full refund of my money, $2600 is a lot of money to lose these days and seeing as I'm getting nothing out of this so-called insurance plan, that is pretty much like giving them twenty six hundred dollars of my hard earned money, which I am not willing to do. For your information purposes I have given you my member ID number, ID# *********. I am requesting a full refund, and I hope this company will comply so no further action is required. Thanks for your time and have a great day!

  

  Business Response

  Date: 02/04/2025

  Our records show that you enrolled through an agency rather than directly with netWell. As we have ended our relationship with that agency, they are no longer authorized to represent netWell. Since your enrollment and payment details were handled by the agency, you'll need to contact them directly for any refund inquiries.I am truly sorry for the negative experience you have had with them. If you'd like, we can contact the agency on your behalf to assist you in resolving this issue or confirm the status of your membership cancellation. While this matter primarily concerns the agency, a netWell team member will also reach out to provide support.We appreciate your understanding and patience.

  Customer Answer

  Date: 02/06/2025

  Complaint: 22891760
  
  I am rejecting this response because: I am not satisfied with this response. Something needs to be done regarding the matter of getting me a full refund. The fact that this business does not do business with that agent ******* doesn't concern me, the only thing that concerns me is getting my refund for this matter. If netwell decides to help me by contacting this other agent that they no longer have working for them,then I would be fine with that. Whatever it takes to get this situation resolved and getting me a full refund on something I should have never purchased because I was misled. Thanks again for your time and I hope we can resolve this matter soon.
  
  Regards,
  
  ****** *****

  

  Business Response

  Date: 02/11/2025

  Thank you for reaching out. Unfortunately, the agency you signed up with did not send us any payment for your membership or provide any of your information. While they may have informed you that you were enrolled with NetWell, this was part of their scam. If you believe you have been a victim of fraud, we recommend contacting your local authorities. Please let us know if you need any additional information from us. Im truly sorry this happened to you and wish we could offer more assistance.
  

• Initial Complaint

  Date:01/20/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 12/21/ 24 I enrolled in Health Insurance at Seguro **************, and had pay by a Pay-note through ***************** for Health Insurance of PPO for $274.74. On 12/23/24 I had contacted this phone number at **************, had spoken to a representative agency *********, said to her that I am requesting to cancel the two accounts of PPO ********************** insurance, and dental insurance. She said for me to sent her a letter requesting cancelation account. That same day I sent her a message at **************************************************************************, and also to *********************** requesting to cancel the two accounts of PPO ********************** insurance, and **************** as soon as possible as of December *******. I had given them all the information to closed the accounts.I had contacted ***************** to stop a payment of $103.50 for **************** so it wouldn't be charge on my credit card account from that company.On January ******* I had received an email from Net well. Administration to informed me that membership has been cancel effective December 31st, 2024. Also I had contacted this phone at **************, and spoken to a representative about when should I receive an email confirmation stating that the accounts has been closed, you should receive a full refund for amount of $273.74? He said to me, " that he didn't know because he doesn't access about it.On 1/15/25 I had sent messages to ******************** and asking him when should I receive the full refund for $273.74 to be credited to bank account? This person hasn't responded yet.Benefits Now Contact information: COO ***** *******, ********************, and ****** *****, Manager: ********************** I would appreciate for you to resolved this issue problem with this company, and for them to refund the full amount of $273.74 to my bank account.

  

  Business Response

  Date: 01/21/2025

  Our records show that you enrolled through an agency rather than directly with netWell. As we have ended our relationship with that agency, they are no longer authorized to represent netWell. Since your enrollment and payment details were handled by the agency, you'll need to contact them directly for any refund inquiries.I am truly sorry for the negative experience you have had with them. If you'd like, we can contact the agency on your behalf to assist you in resolving this issue or confirm the status of your membership cancellation. While this matter primarily concerns the agency, a netWell team member will also reach out to provide support.

• Initial Complaint

  Date:01/15/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 12-9-24, I spoke to an insurance agent by the name of ****** ***** because I was shopping for cheaper health insurance. He sold me a plan that sounded good and was cheaper, but failed to tell me it wasn't regular medical insurance but a faith-based health sharing plan! The company is Netwell and he also said it was owned by *****, which is a trusted name in the insurance industry. I'm retired and go through an entity called ************ that provides a stipend to help pay monthly healthcare premiums. I told him this and he said he was very familiar with Via Benefits and this plan would be fine with them. After he charged my credit card for a full year $5,765.68, and had me scroll to the bottom of a document and sign it ON MY CELL PHONE, he said the full plan details would be sent by email shortly. When I received the plan and realized he wasn't honest with me about the fact that it wasn't medical insurance but a health sharing plan I contacted him immediately and he said it would be ok with Via Benefits but when I called Via Benefits, two of their representatives said it was NOT a valid health insurance plan and I would not be able to receive my monthly stipend with this type of plan because it's not medical insurance but a membership. I HAVE to have my stipend each month, so I told Mr. ***** I would have to cancel because he was not honest with me and I couldn't get my stipend, at which point he became very hostile. Since then I have called, emailed, left messages and I got one response from a ***** ******** at Netwell saying they're working on my refund. It's been over a month now and now I'm getting no response from Netwell and am now being told I have to contact a company called Benefits Now to receive a refund, which I did, but they are not responding either! This is A LOT of money and it doesn't look like they plan on refunding my money. Their agreement clearly states you can cancel within 30 days and receive a full refund. Please help!

  

  Business Response

  Date: 01/15/2025

  Dear ****,
  I want to express my sincere apologies for the experience youve had with the agency you signed up with. Please know that we take such matters very seriously.
  As of now, we have terminated our relationship with Benefits Now, and they are no longer authorized to represent netWell. Since your payment was made directly to them, you will need to contact Benefits Now for a refund. I have escalated this matter to their management team to ensure it receives proper attention.
  Additionally, a member of our netWell team will be reaching out to you shortly to offer any further assistance. According to our records, we had not been in contact with you prior to this morning, and I would also like to clarify that we do not have a team member by the name of Shira.
  While this issue does need to be resolved directly with the agency you worked with, please rest assured that netWell will do our utmost to support you through this process.
  Thank you for bringing this to our attention. If theres anything more we can do, please dont hesitate to let us know.
  

• Initial Complaint

  Date:01/09/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was told this was real insurance, that there is no waiting period and that they cover therapy, I was told that most companies take this insurance, all of that was a lie. The next day I try to get it, Therapist, and they only approved religious therapists, I tried to cancel that day. Not only in the fine print says I am entitled to a full refund, the customer service representative screamed at me that I dont have to be religious to use the service I could be Muslim or anything, and then pretended to not hear me and hung up. I called back and the next *** said I have to write an email to this certain person, I did that email said I had to call a different ***, I called them. They told me to write another email and I should get my money back in 10 days, its been three months and Ive called over 15 times and they wont give me my money back half the time when I ask for my refund they hang up on me. This whole business has been a scam. Ive been told three different times that they will escalate the problem to their manager and I will get a call back, its never happened. Not only am I file tbis complaint Im planning to get my lawyer involved, even though Im only entitled to a refund of $300 it is morally unjust that this religious company is able to scam so many people.

  

  Business Response

  Date: 01/09/2025

  Thank you for your feedback! It seems that you signed up through an agency rather than directly with netWell. I sincerely apologize for the experience youve had with the agency and for any misinformation they may have provided. Your refund will need to be processed through them. I will contact the agency on your behalf to communicate your request for cancellation and a refund. Please dont hesitate to let us know if theres anything else netWell can assist you with.

• Initial Complaint

  Date:01/07/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Purchased on 11/20/24. Canceled on 11/21/2024. Was told refund will be 7 business days. Have called six times. It is now 1/7/2025 no refund.

  

  Business Response

  Date: 01/07/2025

  Thank you for your feedback, *******. Our records indicate that you signed up through an agency, not directly with netWell. The agency handles your cancellation and refund payments. We received your information in late November and have yet to receive payment from the agency for your membership.We can contact the agency on your behalf to ensure you get the support you need or confirm if your membership has been canceled. While your concerns are with the agency, a team member from netWell will reach out to assist further. We appreciate your patience and understanding.

• Initial Complaint

  Date:10/21/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We were promised that this health insurance (yes it was advertised to us from the sales call as insurance) would cover us as long as we went to where they accepted the insurance, also places listed on their website. My husband and I were unable to seek primary care services for the entire year. And now after we have switched we are getting a years worth of backed bills that they held onto and said they never received from the hospitals or urgent cares in a timely manner. We sent every bill to them that we received and they didn't pay them or address these medical expenses until after the 90 days, and then refused to cover anything. I was refused service at a local urgent care after a back injury in March of 2024. They went back and forth with the hospital, with us saying they didn't receive the bills, we sent proof of the bills. Then they never followed up and now we are trying to make us cover the $19044.40 ER visit! The hospital we went to, was listed as in network for them. They are now trying to say that they wouldn't cover the bill because the radiologist reported not emergent at the bottom of its report, meaning I didn't have to go to surgery right then. I had an 8 mm bulging/slipped disk that compressed my spinal and sciatic nerve causing the most excruciating pain and making me be immobile for 2 weeks. I couldn't work, couldn't move. No one would see me because of this insurance and I had to pay out of pocket for a specialist to fix my back with decompression therapy. I truly believe this company gets the hospital bills, ignores them until they are past the 90 day time frame and then forces the enrollee to pay for the bills, all while collecting a monthly amount for "insurance". Why else would we be getting bills and explanation of benefits for previous urgent care visits 6 months later, mind you urgent cares who they say they have listed as "in network". They are stealing from people.

  

  Business Response

  Date: 10/21/2024

  Thank you for reaching out, *********, and for sharing your concerns. I sincerely apologize for the experience you've had with our program and would appreciate the opportunity to discuss your concerns in more detail.
  Regarding your inability to access primary care services for an entire year, I would have encouraged you to use our provider list or consider our self-pay option if your provider was not in our network. We do adhere to a 90-day timely filing limit, but if you or your provider submitted the expense within that timeframe, we can accept proof of timely submission and reprocess those share requests.
  As a nonprofit health sharing ministry, netWell relies on members voluntary Monthly Commitment Contributions, which are allocated to assist with other members' share requests. We operate on a neighbor-helping-neighbor model, which is why all members must sign off and agree to our guidelines.
  For compliance reasons, Im unable to provide details about the denial of your ER visit at this time, but a team member will reach out to you soon to discuss everything further.
  Thank you for your understanding.

  Customer Answer

  Date: 10/22/2024

  Complaint: 22443240
  
  I am rejecting this response because:
  This is truly unacceptable.  If you go back and look though your  documents, myself and my husband have been talking with multiple members from your company and submitted all of the ** billing ourselves. So again, I believe you all just hold onto the bills until it is passed the 90 day period so you s**** people with a bill.  Then you offer to send over these bills to a debt consolidation company to negotiate the bills down, all the whole you still get paid and then they get paid to handle the service.  So crooks helping crooks.  I will be getting a lawyer to look into everything.  Also, I expect a phone call from someone soon.  This is out of control.  

  
  Regards,
  
  ********* *****

  

  Business Response

  Date: 10/29/2024

  Thank you, *********, for your follow-up. We spoke with you and your authorized representative on October 25, 2024, to discuss this matter and the next steps. If you have any further questions or concerns, please feel free to contact netWell.

• Initial Complaint

  Date:09/26/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I now know ******** is a company that is falsely posing as an insurance company taking advantage of consumers. They claim to be a Christian health share to attract trusting individuals like me, but by posing as an insurance company to providers it allows them to defraud consumers. Insurance companies have specific regulations they must follow and standard operating procedures such as timely filing expectation of about 365 days, but Net Well requires all claims be filed in 90 days. So, providers think they are working is a longer window of time as NetWell is part of the **** and ******************* networks, but in reality, they are not an insurance company at all and are misleading healthcare providers at the detriment of the consumer. I am now stuck with about 100k in medical bills for emergency room and for being admitted to the hospital. As soon as 90 days from date of service has past, they will not even look at a claim. To make it worse they encourage providers to send everything by mail and then they claim they have not received it so they can deny the claim. I have ***** providers all swearing they have sent the claim multiple times and NetWell will decline they have received any billing. Additionally, they only give 30 days to respond to any request for information they have, so their standard operating procedure seems to be to immediately request "additional information" information in many examples I can prove they already have, and then if the information is not received in 30 days they decline. Again, I have providers swearing they mailed or sent the information and Netwell denies receiving any info.

  

  Business Response

  Date: 09/26/2024

  netWell is a healthcare sharing organization and is NOT insurance. When enrolling with netWell, the member must go through many questions and signature required forms which indicate an attestation that the member understands netWell is a charitable faith-based, Christian, sharing organization and not insurance. netWell, through several member documents, including but not limited to the netWell Guidelines, is clear when discussing the sharing of the charitable funds. In order to be eligible for sharing, netWell has a fiduciary duty and obligation to verify the charitable funds are eligible. In regards to this specific complaint, netWell has recently obtained all the records necessary to review for determination and the records are currently under review with our Medical staff. netWell is committed to our Members and we are truly sorry that you have not had a positive experience. A care advocate will follow up with you to discuss your complaint. As for your outstanding issue, the review has been expedited and a decision shall be made in the next 3-5 business days. 

  Customer Answer

  Date: 09/27/2024

  Complaint: 22344607
  
  I am rejecting this response because:  Although I am aware this is not insurance and is a sharing company, Netwell is operating under PHCS and ******************** networks the providers are given the impression that they are in fact an insurance company and that they have the same standard and reasonable time to respond to Netwell and to provide documents as they would with an insurance company.  Netwell intentionally sets their expectations of 90 days to receive documents well below what is reasonable and customary for providers to bill.  I believe that is with full knowledge and with a malicious business strategy to be able to deny claims for not being received timely.  In addition their process for receiving information is flawed at best and at worst is intentionally set up to not receive the documents provided by the providers so again they can say they did not receive what they needed timely and then deny the claim.  Finally once you can prove they received a claim they then immediately ask for more information starting this process over again with now a even shorter 30 day clock.  In my experience they were asking for information they already had and this again seems malicious to find a way to deny a claim.  I have the means and knowledge to fight this as far as it has to go even if that ends up in court.  I am fighting this for all those that cannot.  I feel they are taking advantage of Christs name to get people to trust them when their business practices are set up to take advantage of the average person and are anything but ****** like.  When asked what information they needed and how I can help, they distracted me with seeking out information they already had when in reality they say they needed medical records to approve a preauthorization for the emergency room to transfer me to the hospital.  They never mentioned to me this reauthorization being outstanding.  This is all paperwork shuffling and administrative strategy that happens after doctors have already decided I need emergent medical treatment and to be admitted into the hospital for a life threatening infection.  But they deny it because they say they did not receive a document in time authorizing them to treat me and save my life.
  
  Regards,
  
  ***** ******

  

  Business Response

  Date: 09/30/2024

  netWell utilizes the Multiplan/PHCS network to assist members in finding local providers who will bill us directly. When members present their ID cards, it indicates that we are a health sharing ministry rather than insurance. Providers can contact us for eligibility verification, and we clarify our timely filing process to prevent any confusion.
  Regarding your situation, we have received all the necessary documentation and forwarded it to our medical review team. A representative will reach out to you shortly to discuss the final determination. If you have any questions in the meantime, please let us know!

  Customer Answer

  Date: 10/01/2024

  Complaint: 22344607
  
  I am rejecting this response because: I do not think this business and I will see eye to eye on this.  If they admit what they are doing there will likely be civil and legal penalties for not conforming with the laws and regulations of an insurance company.   So they would never want to admit to my experience and opinion of them using this misleading situation and relationship to ***************** networks to defraud customer as it would have major repercussions and likely shut down their business.  This is part of their business strategy.  If they wanted to be a fair company and represent their claimed christian values, they would allow for ************************************************************************************************************************************************************************** the **** and Multi Plan Networks. They would also find ways to insure they are receiving and properly logging or tracking when bills are sent from insurance companies not making it so easy to decline, operating in a created world of plausible deniability to their benefit.     

  After these complaints they say they are approving some of my claims, but I will not believe it until I see it.  Also what about all the other customers out there.  Who is looking out for and warning them. 

  
  Regards,
  
  ***** ******

  

  Business Response

  Date: 11/15/2024

  
  Thank you for your continued feedback, *****. I want to take a moment to reiterate that we are not a health insurance company but rather a nonprofit health sharing ministry. We make it clear in our materials and require all members to acknowledge our guidelines when they apply. Regarding your outstanding share requests, we have sent checks for all of them. Please dont hesitate to reach out if you have any further questions or concerns.

  Customer Answer

  Date: 11/15/2024

  Complaint: 22344607
  
  I am rejecting this response because:  The ******************************************* hospitals and major medical with multiple layered providers involved. The constant denials for all sorts of reasons putting a huger burden and stress on the consumer os not okay.   We will not see eye to eye on this.  I hope your statement that all checks were sent out is accurate!  As of couple days ago your customer service has said that several billis submitted did not even have decision or dispositions yet let along a check going out.  Some bills sat with dispositions for around a month before you said you sent a check.   

  Thank you for your reply.  
  
  Regards,
  
  ***** ******